Tuohi Mastercard

The unique PriceGuard Insurance included in TUOHI Mastercards guarantees you the most affordable price on the market. You can apply for this card in Nordea Wallet as well.

Tuohi Mastercard – added flexibility

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account. 

Tuohi Mastercard includes the free PriceGuard Insurance which, in accordance with its terms and conditions, will compensate for the difference if you purchase a product at a higher price compared to the price at which the same item is sold somewhere else in Finland within 30 days of your purchase. 

The insurance covers any purchases made on your Tuohi Mastercard except where the Nordea Tuohi Mastercard is issued in conjunction with the first purchase at a store, that first purchase made in conjunction with the application and issuance of the Nordea Tuohi Mastercard will not be covered from the PriceGuard Insurance.

Tuohi Mastercard in brief

  • The credit limit is 2,000–10,000 euros.
  • The interest rate is the 3-month Euribor + 14%.
  • You will get an interest-free payment period of 30 days on average for all your purchases. 
  • No opening or annual fee, and the account management fee of 5 euros is only charged when you have an outstanding credit balance.
  • You are entitled to two instalment-free months a year.

How to apply for a card

You can apply for this card in Nordea Wallet, on Nordea Finance’s online application and at the shops of our cooperation partners. A Tuohi Mastercard can be applied for by a person who has turned 18 and has

  • regular income
  • a good payment history
  • a clean credit record.

You can apply for a card even if you are not a Nordea customer.

Choose the payment method you prefer


With the contactless payment feature you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal. 

You can also pay your purchases exceeding 50 euros without touching the payment terminal if you attach a mobile payment app to your card and pay the purchases by holding your smartphone or smartwatch close to the payment terminal. 

You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

When your card has the debit feature, you can pay for purchases and withdraw cash directly from your bank account in Finland and worldwide.

Flexibility for your finances

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account. 

Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

Keep up-to-date with your credit card transactions by using Nordea Mobile or Nordea Netbank. If you don’t have online banking codes from Nordea, you can use the OmaLuotto service (nordearahoitus.fi/omaluotto) to follow your available balance and to transfer cash from the credit facility to your bank account. 

Card usage

Credit interest

Credit interest

Tuohi Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.7% and the price of credit is 1,708 euros, when the nominal interest is the 3-month Euribor (November 2020) + 14% and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. TUOHI Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices
Prices for cards issued before 1 September 2019
Your rights when making payments in Europe

Credit interest

Tuohi Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.7% and the price of credit is 1,708 euros, when the nominal interest is the 3-month Euribor (November 2020) + 14% and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. TUOHI Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices for Tuohi Mastercard from 1.9.2019

Prices for Tuohi Mastercard

Annual feePrice
Tuohi Mastercard -card0,00 €
Paralell card0,00 €

Additional servicesPrice
MasterCard queries in Netbank, Mobile Bank and in eService per month0,00 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query  0,00 €
Reorder of card PIN (delivery by post)7,00 €
Checking card PIN in Netbank
0,00 €
Reorder of card PIN (delivery by SMS)0,00 €
Change of credit limit0,00 €
Change of repayment schedule5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 € 
Bill payment from card credit facility at Nordea's payment ATMInterest-bearing as of the payment date
Change or renewal of card during its validity10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €

Cash withdrawals in FinlandPrice
Cash withdrawals from bank account in Finland at a branch0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

0,00 € 

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal0,60 €
Cash withdrawals from card credit in Finland at ATMs per withdrawalInterest-bearing as of the drawdown date

Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal

0,00 €

0,60 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States 

Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account in the EEA Member States  

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark0,00 €

Fees related to account maintenancePrice 
The fee related to account maintenance/per month in case of outstanding debt or transactions5,00 €

Transaction feesPrice
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction.